Wednesday 18th December - What small DFW things will you do today??!

determined_new_ms

When we start out on the Debt-Free Wannabe trail we do loads of big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the Gym.

But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when in fact the small steps are helping us form good financial habits and helping us get closer everyday to staying in control and becoming debt free, or staying debt free...

Examples could be hanging washing out instead of using the tumble dryer or leaving your purse/wallet at home to avoid the risk of spending. :money:

Morning :wave: Happy Wednesday! Still feeling very glum battling with wanting to not go to work, but as soon as I do I get so submersed in work it distracts me, which is a great thing I guess. Hope this mood lifts soon

Perni have just just got Friday off like me or is this the beginnings of your festive hols? Exciting either way! x

Things for today:
* [STRIKE]Payday[/STRIKE] :j We got paid a week early this month. & I also got my 5% payrise, an extra £80pm
* [STRIKE]transferred cash to joint account [/STRIKE](bills, regular savings (regular yearly expenses), house renovations fund & Isa
* [STRIKE]updated spreadsheet[/STRIKE]
* all meals from stores
* [STRIKE]bread out of freezer for lunch[/STRIKE]
*[STRIKE] bought dd a birthday card from Moonpig so it gets there in time[/STRIKE]
* post ds' Chritsmas card - must do this today!
* db coming to finish off the bathroom from today
* remind oh to speak to db & work out how many square meters of tiles we need & get him to order so they arrive Monday
* Also speak to db about when the lights need to be installed and speak to his df and ask him to come and do it
* carpet being fitted in spare room :j I love it when we get carpets in a room
* put all bedroom furniture back into spare room tonight and our bedroom is returned to order. Currently feel like we are massive hoarders!
* [STRIKE]read Martin's newsletter[/STRIKE]
* getting hair done today
* work hard, although am in 2 meetings today which will be all day
* text friend about meeting for coffee on Friday

Ok that'll do me. Have a great day everyone x

good_advice

Morning all
I see it is wet outside again! no point putting the washing out as it is just as wet when I bring it back in. Wetter if it has rained.
Hanging wet clothes around the clothes airers again. Trying to keep the electric bill down and not use the tumble dryer.

Just washed hair and now letting it dry naturally.

To do - grocery shop online

I was going to look around the shops in town today buy have decided I have enough for stocking fillers - so staying away from shops and spending on things that people will just unwrap and shove in a drawer.

Indoor gardening = watered plants. Our Christmas cactus is in full flower and one of the amrilas bulbs.

Dinner = cold chicken and veg.

Daily surveys to do. I have a few £10's now, just not asked for them yet.

Still reading free paper,books and magazines I have.

Craft - knitting my cardigan. It is white with flecks of blue and green.

So we continue in our own way with little spending and getting past the cold days of the season.
I have to read the meters today. Hopefully less than last weeks £28 for 7 days. I think the recent fuel rise is not helping.
Done - £27.30 for this weeks fuel bill. = 3 bed semi.
Have a good day all.

Pernicious

Hi everyone,

Thanks for starting us off DNMS, I am off Friday but back in on the 30th for the main job, unfortunately working the 24th, 27th & 31st at the second job...debating if I want to continue this or not! I usually like doing just my Friday shift now but I really hate having to work Christmas Eve & New Year's Eve!

I'm feeling a bit low today, we will not be debt free by the end of the year as planned because we have gone OTT for Christmas...we've been good for so long & just cracked. It's not the end of the world as we should be debt free just a month later, so by the end of January, but I really wanted to start 2014 afresh!


Today's plan:-

• Making use of free water & food at work - lots left over from the xmas buffet!
• Staying in for most of my lunch break to avoid spending but popped to town to pick up a birthday card, 59p.
• Dinner from meal plan - Spag bol
• Charging phone at work
• Check online banking
• Enter some comps
• Do some surveys
• Declutter & flylady
• Heating on low, fleecey dressing gowns on
• Debate applying for another job (less money, more interesting work though)
• Continue with the DIY this evening
• Enter a few more comps
• Wrap some presents
• Payday today, need to transfer money over to the joint account for next month's bills so we know not to touch that account & we'll be fine all of January!
• Pay off some of the credit card & update sig
• Attend appointment for laser hair removal, paid for on Groupon a few months ago
• Have a think about my goals for next year, some of which will be MSE!

Hope you're all ok & have a great MSE day x

good_advice

Hello Pernicious
I know what you mean about spending at Christmas.WE have cut back even more this year. If who the gifts are for do not like it tough!

I spent mostly in Debenhams online sale and Amazon.

I was going to go into town today and spend more but my head over rules my heart as usual and I am keeping to what i have got.

MinnieMousesMummy

Good afternoon, DNMS - Thanks for starting us off today

1. Do MSing work that is in for todayDone
2. Sort through 100 emailsDone
3. Go to collegeDone
4. Check postcode lottery & birthday bingoDone
5. Do some work on Nectar adpointsDone
6. Check banks and move moneyDone, looking rather scary but payday on Friday
7. Do 2 loads of washing
8. Make xmas food list and meal planDone
9. Go xmas food shoppingDecided not to go shopping, as it it has turned very stormy
10. Do course work that is in for today
11. All meals from storesDone
12. Enter a few compsDone
13. Do some surveysDone
14. Spend an hour sorting paperworkDone
15. Knit the shoes for the clown
16. Sort through presents and see what is still needed
17. Finish putting xmas decorations up
18. Collect ds1 from school Done
19. Spend 30 minutes on ironing mountain
20. Sort tester paperworkDone
21. Update list
22. Go to local group tonightDecided not to go,as it is very stormy here
23. Check Avon order and make up customer orders

I think that is probably enough to be getting done today, Hope everyone has a good Wednesday x

ziggy2407

Good Evening My Lovelies

DNMS - Thanks for starting us off today, hope your mood lifts soon my lovely :A

Hi to all of the regulars and a BIG welcome to all the newbies, this is a really FAB thread with so many lovely, caring, considerate and supportive people.

I am shattered, pouding headache, spent the morning at mums cleaning and wrapping her presents - all her present are wrapped now and in bags ready for me to deliver . Sooo Today's little list:

Check Banks - Done
Check swapits - Done
General Tidy up - Done
Packed lunch for OH & DS - Done
Wrap pressies - Done a few more
Cleaned at mums - Done
Wrap all presents at mums - Done
Sort pressies for sons friends & footie coaches -Done
hand deliver cards on street - Done by DS
Work out what still needed for presssies -
Write more Christmas cards (to hand deliver) -
Meals from stores - Done
Check www.freepostcodelottery.com -
Filing & Shredding -
Catch up on e-mails -
Surveys -
Nectar Adpoints -
Enter a few comps -
Craft -
Knit - Decide on new project
Read Book (from library) - in progress
Count my blessings -
Update here -

Best crack on otherwise nothing is going to get done (I've spent the afternoonin bed with this headache). Love to you all.

C x